Allstate is the worst insurance company in the world - hope you never have to file a claim with them!!

[PHmom]

"I don't want this turn into a debate about chiropractors, I am simply making this statement b/c I have seen the previous post as well as a couple of others that intimated that perhaps the problem is that I didn't go to a "real" doctor. "

My brother is a chiropractor and he assures me he is a "real" doctor. Hope your feeling much better with your treatments.

If your brother is as good as the doctor I went to - then I'm sure he is awesome! I think chiropractors are completely undervalued by the medical community at large.

[awainwright]

on your insurance policy there is two types of medical benefits. Liability, and med pay. Liability medical payments are just what they sound like, the "liable" party pays the bills of the other party.

however medpay is regardless of fault, if you have it on your policy (and you should so add it if you don't :)) you're policy will pay in this situation. most insurance companies have a seperate claims dept for these types of claims b/c they're so easy. liability doesn't have to be determined, if there is legit medical bills and you were in an accident the bills get paid.

in general I would recommend an MD to determine that a chiropractic visit is necessary, it's always wise to go to a MD following an accident to check things out anyway.

I would not accept their offer at this point.

[uummm]

We had the medical coverage which is why we got to double dip. It is less than $5 a month (I think for us it was $2 something), cheap to have, and if you have ANYTHING wrong and you go to the DR then you use it. I think our coverage was up to $10,000 per person too. If you have this coverage and you are in NC then you can collect on that PLUS that from Allstate.

You have been paying for your insurance and even if you did go through your insurance company and it wasn't your fault there is nothing wrong with having them collect and going through this so you don't have to, that is one of the things you have been paying for.

[mxmom99]

If your brother is as good as the doctor I went to - then I'm sure he is awesome! I think chiropractors are completely undervalued by the medical community at large.

i used to think chiropractors were quacks.....then i got hurt in an accident....i sure dont think that any longer!!! i went to the ER and all they wanted to do was pump me full of pain pills, i cant and wont take them...i have 3 kids, a DH and a job, i have to be able to function (can you tell i am very anti pill?? LOL) the chiropractor i went to was great!! i was shocked at the change in my xrays after a couple months' visits. anyone in my area that needs a chiropractor, i can recomend a good one!

[CLN123]

I had Allstate for years and felt I was paying a fortune. After checking around and getting other quotes, I figured out I was. I switched from Allstate to another company and saved BIG. I now have more coverage and pay a lot less. It pays to check around for better rates. I'm so happy now.

[justmeagain]

I had Allstate for years and felt I was paying a fortune. After checking around and getting other quotes, I figured out I was. I switched from Allstate to another company and saved BIG. I now have more coverage and pay a lot less. It pays to check around for better rates. I'm so happy now.

This reads JUST like a commercial.

[CouponClipper15]

AMEN!!!
I was rear-ended by a guy about two years ago. He admitted it was his fault and the police report even said it was all man's fault. My medical bills totaled around $3,500. I went to the ER, a few hours after the accident, because my eye, shoulder, and head started hurting after my adrenaline rush faded.
He had AllState. They wanted to give me less than the total amount of the medical bills and they acted like he was not at fault. I sued AllState, and when it came time to subpoena the guy that hit me, he skipped town and I'm sure I know why. I ended up getting just enough settlement money to pay my parents back for paying my medical bills. I was getting threatened with having my credit ruined, because of stupid AllState, and the hospital was not being very understanding while I was trying to get my settlement money.
Now, every time I see a stupid AllState commercial, I boo!